Superannuation

Self-managed superannuation funds and member considerations

Enhancing and protecting one of your most significant assets

With over 30 years of experience in the industry and the full suite of services across all facets of superannuation, we help our clients navigate through the complex rules relating to superannuation legislation and regulations as well as the relevant taxation laws. 

We advise both members of self-managed superannuation funds (SMSFs) and APRA-regulated funds, and employers of their superannuation obligations.

What we do

As a member and trustee of a Self-Managed Superannuation Fund, we empower you to take control of your superannuation benefits. We work with you to  ensure your fund stays compliant and to protect your retirement savings.

We offer expert technical guidance around:

  • Investment in assets such as unlisted unit trusts and companies

  • Investment in property or shares via limited recourse borrowing arrangements

  • Related party transactions, investments and in-house assets rules

  • Queries or disputes with the Australian Taxation Office

We also manage the annual compliance processes of a SMSF, including preparation of financial statements, member reporting, annual returns, tax lodgement, associated minutes and liaison with your auditor.

In a world in constant flux, PwC’s Superannuation services cut through the noise and help you stay ahead of the changes that impact your super. We can help you to:

  • Ensure your contributions - whether concessional, non-concessional or through salary sacrifice - are within your allowable limits

  • Understand the implications of moving overseas either temporarily or permanently

  • Work through tax implications of receiving benefits and pension strategies as you approach retirement in order to find the best course of action for you

  • Establish the best estate planning tax strategies in relation to your superannuation benefits

Our team ensures that your strategies remain current to give you peace of mind in a constantly changing regulatory environment.

There are significant implications for directors and companies who don’t meet their superannuation guarantee (SG) obligations for their employees. With the ATO now focusing on SG compliance, we can help companies better understand their obligations, ensure they are getting it right and where needed, help to get their affairs in order. It’s useful to have experts on your side when resolving disputes with the ATO.

Our SG health checks will make sure you’re on the right track by assessing contractor arrangements, calculations and timing of contributions and whether you are compliant with SuperStream. We can advise on areas such as effective salary sacrificing for employees and how to meet obligations in a timely and cost-efficient manner.

Advisory services

The power of a smaller accounting practice lies in the close, enduring relationships you build with your clients. We can support you by providing access to our superannuation specialists who can complement your existing service offering with deep technical expertise that some of your clients may need.

Our superannuation experts can advise you on the challenges your clients experience, provide specific one-off pieces of advice to you or your clients and if needed, negotiate with the ATO on their behalf, while respecting the existing relationship you have with them.

Contact us

Naree Brooks

Partner, Private Clients, PwC Australia

Tel: +61 (3) 8603 1200

Alice Kase

Partner, Private Clients, PwC Australia

Tel: +61 2 8266 5506

Sharyn Frawley

Director, Private Clients, PwC Australia

Tel: +61 (3) 8603 1217

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